Pathstones by Phoebe is a continuing care at home (CCAH) program designed to provide life-long security and protection for your ongoing needs while you remain in your home. It is a membership-based program that uniquely combines the most important features of long term care into one comprehensive plan. The goal of Pathstones is to help adults live in their homes even as their needs change. We work with members before health and wellness needs emerge, providing proactive care that limits the need for medical services later.
Regulated identically to traditional CCRCs by the Pennsylvania Department of Insurance, continuing care at home programs are often considered an alternative to long term care insurance because the fees include stays in skilled nursing and personal care facilities in addition to in-home services. However, unlike the potential for large premium increases with long term care insurance, CCAH monthly fees never increase (other than inflation). Also unlike long term care insurance, members can receive services as soon and for as long as needed. The program is not a replacement for health insurance.
You are eligible to apply for Pathstones membership if you are a healthy person, age 55 or older, and live in Lehigh, Northampton, Bucks, or Berks counties in Pennsylvania. Please contact us for an application.
As a Pathstones member, you have a realistic, fixed monthly payment, regardless of the type or duration of care you utilize as your needs change. You can reserve your assets for other important reasons. Also, depending on the plan you choose your entrance fee may be refundable.
Pathstones by Phoebe addresses the needs of older adults who prefer to live at home by providing them with the services of a Phoebe campus in their own homes for a lower cost than a traditional CCRC. Portions of fees may be tax deductible and there are a variety of plans to fit many individual’s needs.
A Pathstones membership consists of a one-time membership fee based on your age at the time of enrollment and monthly fees throughout your membership. Fees depend on the plan you select.
A portion of the fees may be deductible since it is attributable toward medical expenses. We encourage you to consult your personal tax advisor regarding financial and tax matters.
The best time to join Pathstones is while you are healthy and independent. Don’t wait for a health crisis to think about your own long term care. With Pathstones, you can plan your senior years on your own terms in your own home.